Your Online Security
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Your Online Security
As a financial institution, Triangle Credit Union has extensive experience in helping Members manage and protect their assets. We take great care to safeguard the security of your transactions with us. We also believe that educating you, our Members, is one of the best ways to help you protect yourself against online fraud and identity theft.
How to Prevent Identity Theft
In the course of a busy day, you may write a check at the grocery store, rent a car, mail your tax returns, change service providers for your cell phone, or apply for a credit card. In each transaction, you reveal bits of personal information, like your bank and credit card account numbers; your income; your Social Security Number (SSN); or your name, address, and phone numbers - a goldmine of information for an identity thief. Once a thief has that information, it can be used without your knowledge to commit fraud or theft.
People whose identities have been stolen can spend months or years - and their hard-earned money - cleaning up the mess thieves have made of their reputations and credit records. In the meantime, victims may lose job opportunities, may be refused loans, education, housing or cars, or even get arrested for crimes they didn't commit.
The goal of the scams is to trick people into revealing personal and financial information, such as Social Security, bank account or credit card numbers, which the scammers can use to commit identity theft. Typically, identity thieves use a victim's personal and financial data to empty the victim's financial accounts, run up charges on the victim's existing credit cards, apply for new loans, credit cards, services or benefits in the victim's name, file fraudulent tax returns or even commit crimes. Most of these fraudulent activities can be committed electronically from a remote location, including overseas. Committing these activities in cyberspace allows fraudsters to act quickly and cover their tracks before the victim becomes aware of the theft.
Don't give out personal information on the phone, through the mail, or on the Internet unless you've initiated the contact or are sure you know who you're dealing with. Identity thieves are clever, and have posed as representatives of banks, Internet service providers (ISPs), and even government agencies to get people to reveal their SSN, mother's maiden name, account numbers, and other identifying information. Before you share any personal information, confirm that you're dealing with a legitimate organization.
Don't carry your SSN card in your wallet; store it in a secure place. Give your SSN only when absolutely necessary, and ask to use other types of identifiers.
Carry only the identification information and the credit and debit cards that you'll actually need when you go out. If your wallet is stolen - or if you lose it - report it immediately to the card issuers and the local police.
Be cautious when responding to promotions. Identity thieves may create phony promotional offers to get you to give them your personal information. When ordering new checks, pick them up from the branch instead of having them mailed to your home.
Online Banking Security
There is a growing threat that is targeting the online banking activity of unsuspecting end-users. Evolving malicious software has emerged that might prove to be some of the most prolific banking Trojans seen to date. There are a number of techniques that these Trojans use, but the most dangerous is called a "man in the browser" attack. The Trojan, after being installed on the end user machine via spam email, drive by downloads or malicious web sites, waits until the user has started an online banking session and then hijacks the browsing session, intercepting web traffic. When the user attempts to visit ANY banking website the Trojan "injects" its own page requesting the unsuspecting user's debit card number, expiration date, and PIN number.
This new tactic has the potential to catch even the savviest users off guard due to the fact that the financial institution's legitimate URL appears in the URL bar. The Trojan intercepts web browser traffic then looks for user requests to secure login pages and injects its own page or overlays a form over the browser window that blends in with the real online banking pages. If, or when, the user visits their financial institution's website (or any secure login page for that matter) from an infected computer, the Trojan injects its own page.
To be clear, the fraudulent page that gets injected resides on the infected end-user computer itself. The Trojan is most likely installed on the victim's machine after visiting a malicious web-site, clicking on a "dirty" link or through spam email. When the user submits their information via this form, the sensitive data is sent back to servers controlled by criminals. Criminal activity in the form of fraudulent withdrawals or other forms of identity theft may occur soon after the Trojan is activated. It is recommended that you have strong anti-virus and anti-malware protection installed on your home computer.
SECURE BANKING - We take your security seriously!
We've done our best to ensure the privacy and security of your transactions. Your account number and other personal information will be treated with the highest standards of safety, security and confidentiality.
Account activity on our site is encrypted using SSL technology so your transactions are protected. With SSL, information sent via the Internet can be trusted to arrive privately and unaltered to our server only. However, in order for SSL security to work, you must use an SSL-enabled browser. Please refer to our Browser Settings for the most up-to-date recommended settings.
When you see either a solid key icon or a locked padlock icon at the lower portion of your browser window, then your site is secured through Secure Sockets Layer (SSL). If you do not see one of these icons, please contact your Internet service provider.
Please remember that everyday e-mail messages are not encrypted, and so they are not a secure means of transmitting account numbers. The Credit Union offers secure email communication that is encrypted to ensure your information is protected.
If you have questions concerning this notice, please do not hesitate to contact us.